United Kingdom
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They say it. Because they have never run a business. Honestly most have no reason to understand how banks charge for cash payments.
For small businesses they also assume the business dose not pay cash into the bank. Also the fact many small store historically charged users for small card transactions. Gives many 40s plus customers a out dated view of how the banks charge. The cash in cash out cash and carry retail business no longer exists. But the fact that many local store used to work that way to reduce costs still effects many customers opinions.
As for lack of data. They say that because it's basically true. All card transactions do store data.